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Prime Insurance Company

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Program Details -

Non-Standard Commercial Property Insurance Program


Non-Standard Commercial Property Insurance Program

Prime Insurance Company is a non-admitted excess and surplus lines insurance carrier providing liability solutions for distressed and hard to place commercial property risks that do not fit the underwriting criteria of traditional programs. In addition, Prime Insurance Company offers options to cover gaps and exclusions with customized coverage for exposures and liabilities found in typical programs. When the challenge is placement, Prime Insurance Company is here to help with insurance needs quickly and effectively.

Spectrum Of Classes





Retail Stores

Sports Facilities

Shopping Malls


Distribution Centers


Industrial Property





& More 

Eligible Risks

- Cancelled, Declined Or Non-Renewed Risks

- Owners Have No Or Little Prior Experience In A New Venture

- High Claims Frequency And/Or Severity

- Commercial Property In Difficult Geography (i.e. Coastline, Tornado Alley, Wildfires, Crime)

- Owners With Bankruptcies, Poor Credit Rating Or Criminal Convictions

- Vacant and Empty Commercial Properties

- Other Unusual Circumstances Or Business Arrangements


Builder's Risk

Optional Theft Coverage

Equipment Floaters

Basic, Broad, Special Form Coverages Available

Vacant Property, Building, Land

Wind & Earthquake

Excess Coverage Available


First Dollar Defense Option

Innocent Insured Protection

Installment Plans Available

Expert Counsel Provided

No Annual Gross Receipt Limits

Expert Underwriter Reviews Account With Broker/Insured Annually

Expanded Underwriting Guidelines To Include Additional Classes

Minimum Premium Depending On Limit Provided

Project Specific Coverage

Tailored Description Of Services For Each Unique Risk

User Friendly Claims-Made Application Form

Available for Accounts Domiciled In The U.S.

"Outside the Limits" Option Available

Submission Requirements

Accord Application With Description Of Operations

5 Years Currently Valued Loss Information

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming